Cheap Cadillac Escalade ESV Insurance in Sacramento

Insurance quote for Cadillac Escalade ESV in SacramentoIf you want to save money, the best way to quote cheaper auto insurance rates in Sacramento is to compare quotes annually from providers in California.

Step 1: Take a few minutes and learn about what is in your policy and the steps you can take to prevent high rates. Many rating factors that drive up the price like distracted driving and poor credit rating can be controlled by making minor driving habit or lifestyle changes. Keep reading for instructions to prevent rate hikes and get discounts that may be overlooked.

Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple sources.

Step 3: Compare the price quotes to your current policy and see if there is a cheaper rate. If you can save money and make a switch, verify that coverage does not lapse between policies.

Step 4: Notify your company or agent to cancel the current policy. Submit any necessary down payment along with the completed application to the new company. As soon as you have the new policy, put the certificate verifying proof of insurance in an accessible location in your vehicle.

The key thing to remember is to try to compare the same level of coverage on each quote request and and to get price quotes from as many carriers as you can. This enables a fair rate comparison and the best price selection.

A recent insurance study revealed that the vast majority of insurance customers kept their policy with the same company for four years or more, and nearly 40% of drivers have never compared quotes from other companies. California insurance shoppers can save almost 35% each year just by comparing rates, but they don’t want to take the time to shop around.

If you have a policy now or just want cheaper rates, use these tips to get lower rates and still get good coverage. Finding the cheapest coverage in Sacramento is not that difficult. You just need to understand the proper methods to shop for car insurance online.

Cheapest car insurance in Sacramento, CA

The providers in the list below provide price quotes in Sacramento, CA. If you want cheap car insurance in CA, we recommend you compare several of them to find the cheapest car insurance rates.

Cadillac Escalade ESV insurance rates and statistics

The rate table shown below outlines estimates of coverage prices for Cadillac Escalade ESV models. Understanding more about how insurance quotes are figured can help customers make smart choices when selecting a policy.

Cadillac Escalade ESV Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV 4WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Luxury Edition 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Premium Edition 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Luxury Edition 4WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Premium Edition 4WD $456 $712 $442 $26 $132 $1,768 $147
Escalade ESV Platinum Edition 2WD $456 $712 $442 $26 $132 $1,768 $147
Escalade ESV Platinum Edition 4WD $456 $712 $442 $26 $132 $1,768 $147
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Prices do not factor in garaging location in Sacramento which can change price quotes substantially.

Where to set your deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following tables summarize the differences in price of buying low and high physical damage coverage deductibles. The first pricing table uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Cadillac Escalade ESV insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $518 $780 $442 $26 $132 $1,923 $160
Escalade ESV 4WD $518 $780 $442 $26 $132 $1,923 $160
Escalade ESV Luxury Edition 2WD $518 $780 $442 $26 $132 $1,923 $160
Escalade ESV Premium Edition 2WD $518 $780 $442 $26 $132 $1,923 $160
Escalade ESV Luxury Edition 4WD $518 $780 $442 $26 $132 $1,923 $160
Escalade ESV Premium Edition 4WD $562 $882 $442 $26 $132 $2,069 $172
Escalade ESV Platinum Edition 2WD $562 $882 $442 $26 $132 $2,069 $172
Escalade ESV Platinum Edition 4WD $562 $882 $442 $26 $132 $2,069 $172
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Cadillac Escalade ESV insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade ESV 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV 4WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Luxury Edition 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Premium Edition 2WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Luxury Edition 4WD $420 $630 $442 $26 $132 $1,650 $138
Escalade ESV Premium Edition 4WD $456 $712 $442 $26 $132 $1,768 $147
Escalade ESV Platinum Edition 2WD $456 $712 $442 $26 $132 $1,768 $147
Escalade ESV Platinum Edition 4WD $456 $712 $442 $26 $132 $1,768 $147
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in vehicle location which can change insurance rates considerably.

Based on the above data, using a $250 deductible would cost the average driver about $24 more each month or $288 for a full year than buying the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 10 months between claim filings, you would more than likely save some money if you elect the higher deductible.

The chart below illustrates how your choice of deductibles and can raise or lower Cadillac Escalade ESV insurance costs for different age groups of insureds. The prices are based on a married female driver, full coverage, and no discounts are taken into consideration.

Rate comparison of men versus women

The example below shows the difference between Cadillac Escalade ESV insurance prices for male and female drivers. The premiums are based on no claims or driving citations, full coverage, $250 deductibles, single marital status, and no discounts are factored in.

Slash your insurance rates with these five discounts

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Some discounts will apply at the time of purchase, but once in a while a discount must be requested specifically before being credited.Discount insurance

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works. But any discount will cut your overall bill.

The diagram below shows the difference between Cadillac Escalade ESV yearly insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, safe-driver, marriage, and claim-free discounts applied.

Large insurance companies and their possible discounts are included below.

If you need lower rates, check with each company what discounts are available to you. Some of the earlier mentioned discounts might not be available to policyholders in Sacramento. If you would like to choose from a list of insurance companies with discount insurance rates in California, click here.

Insurance agencies near you

A small number of people would rather talk to an insurance agent and that is a smart decision Good insurance agents can help you choose the best coverages and give you someone to call. A good thing about getting free rate quotes online is you can get cheap rate quotes and still choose a local agent. Putting coverage with local insurance agents is important particularly in Sacramento.

Sacramento insurance agentsAfter filling out this quick form, your coverage information is transmitted to companies in Sacramento that can give you free Sacramento auto insurance quotes for your insurance coverage. It makes it easy because there is no need to drive around since price quotes are sent to you instantly. If you want to compare prices from a specific insurance company, just search and find their rate quote page and submit a quote form there.

Sacramento car insurance agents are either independent or exclusive

When looking for a reputable insurance agent or broker, it helps to know the two types of agencies and how they differ in how they can insure your vehicles. Insurance agencies can either be exclusive or independent. Either can properly insure your vehicles, but it is a good idea to know the subtle differences since it could factor into the type of agent you choose.

Independent Agents (or Brokers)

Independent agents often have many company appointments and that allows them to write policies with an assortment of companies enabling the ability to shop coverage around. If prices rise, they simply switch companies in-house and the insured can keep the same agent. If you need lower rates, we highly recommend that you check rates from at a minimum one independent agency to get the best comparison.

Below is a list of independent insurance agents in Sacramento who may be able to give you price quote information.

7750 College Town Dr #101Sacramento, CA 95826(877) 223-4437View Map

5346 Madison AveSacramento, CA 95841(916) 482-5500View Map

1353 Fulton AveSacramento, CA 95825(916) 339-6490View Map

More Sacramento agents

Exclusive Agents

Agents of this type can usually just insure with one company like State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare rates from other companies so keep that in mind. Exclusive insurance agents are trained well on what they offer which helps offset the inability to provide other markets.

The following are exclusive agents in Sacramento who can help you get price quote information.

8887 Folsom Blvd #3aSacramento, CA 95826(916) 361-3114View Map

4315 Elkhorn Blvd Ste BSacramento, CA 95842(916) 331-1135View Map

900 Jefferson Blvd #110West Sacramento, CA 95691(916) 374-1600View Map

More Sacramento agents

Choosing an car insurance agent should include more criteria than just the bottom line cost. The questions below may impact your decision as well.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many California drivers only carry the minimum required liability limits (15/30/5), their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, scraping a guard rail, hitting a parking meter, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your Escalade ESV to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed, theft and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

This can cover damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, loss of income, medical expenses, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible. California requires drivers to carry at least 15/30/5 but you should consider buying more coverage.

The chart below demonstrates why buying minimum limits may not be enough coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses for things like EMT expenses, pain medications, hospital visits and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Best car insurance company in Sacramento

Finding a good quality car insurance provider can be difficult considering how many choices drivers have in California. The ranking data below may help you decide which insurers to look at when looking for cheaper rates.

Top Car Insurance Companies in Sacramento
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

More effort can pay off

In this article, we covered quite a bit of information on how to get a better price on Cadillac Escalade ESV insurance in Sacramento. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the best prices are with some of the lesser-known companies. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.

When you buy Sacramento auto insurance online, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

More detailed auto insurance information can be read at these sites: